Reflections on the Gulf Condos, Indian Rocks Beach

Updated October 2026.

Reflections on the Gulf is a Gulf-front condo community at 900 Gulf Boulevard in Indian Rocks Beach, built in 1981, with two and three bedroom units of roughly 1,275 to 2,120 square feet. Listing records show a two week rental minimum, so it can suit owners who want occasional rental income as well as full-time and seasonal residents.

We are John and Nicole Kavaliauskas, licensed Florida Realtors with LoKation Real Estate. Here is what listing records and building pages show about Reflections on the Gulf, and what to confirm with the association before you buy.

Reflections on the Gulf quick facts

Item	Detail
Name	Reflections on the Gulf
Address	900 Gulf Blvd, Indian Rocks Beach, FL 33785
Setting	Gulf-front, across Gulf Boulevard from the Indian Rocks Beach Nature Preserve
Year built	1981 (listing records and building pages)
Buildings and stories	An agent page lists a North Tower and a South Tower with 11 floors; a building page shows 11 stories
Units	84 (building pages)
Floor plans	Two and three bedroom; one source shows about 1,275 to 2,120 square feet, another about 1,275 to 1,900
Rental minimum	Listing records show 2 weeks; confirm with the association
Pets	Listing records show one pet up to 20 pounds
Monthly fee	Sources range from about $500s to $982 per month; confirm the current budget

Location and setting

Reflections on the Gulf sits on the Gulf side of Gulf Boulevard in the central part of Indian Rocks Beach. An agent building page notes that it is right across Gulf Boulevard from the Indian Rocks Beach Nature Preserve. Upper floor listings highlight beach and Gulf views.

For the town itself, see our Indian Rocks Beach guide. To compare nearby buildings, see our Indian Rocks Beach and Indian Shores condos index.

Residences and amenities

Building pages describe two bedroom units starting at about 1,275 square feet and three bedroom units up to about 2,120 square feet. One agent page caps the range at almost 1,900 square feet, so confirm the size of the unit you are considering with the property record.

Listing records and building pages describe these shared amenities:

• A heated beachside pool and hot tub
• A sauna
• A tennis and pickleball court
• A renovated lobby, elevators, and private beach access
• Card or code access and storage rooms on each floor

One listing notes storm rated windows and hurricane rated shutters for that unit. Window and shutter status varies by unit, so ask for permits and product approvals.

Rules buyers ask about

Rentals

Listing records and an agent building page show a two week minimum rental. A vacation rental listing for a unit here shows a 14 night minimum, except January through March, when it books by full calendar month only. Confirm the current minimum, any limit on rentals per year, and any approval steps with the association.

The City of Indian Rocks Beach also requires vacation rental registration under Ordinance 2023-02. The city vacation rental page lists a $600 registration or renewal fee and a $150 inspection fee effective October 1, 2026, plus a state lodging license and sales and tourist development tax accounts. The city offers a separate condo registration application. See our short-term rental rules guide for details.

Pets

Listing records show one pet up to 20 pounds, with breed restrictions. Get the current rule in writing from the association.

Fees

Fee figures conflict across sources. One agent page says about $500s per month. A recent listing shows $912 per month, and a building page shows a range of $918 to $982. Listing records say fees include cable TV, insurance, building and grounds maintenance, management, pool, sewer, trash, and water. Ask for the current budget.

Building condition and condo law

Built in 1981 and well over three stories, Reflections on the Gulf falls under Florida’s milestone inspection and structural integrity reserve study (SIRS) rules. Request:

• The milestone inspection summary, and whether any repairs followed
• The most recent SIRS and the reserve funding schedule
• The current budget and annual financial statement
• Twelve to 24 months of board minutes
• Any adopted or proposed special assessments

We did not find public news reports about this building after the 2024 hurricane season. Ask how the ground level, pool, parking, and building systems fared, how repairs were funded, and whether any insurance claims remain open. Our condo inspections, reserves and SIRS guide explains what to look for.

Flood and insurance

A listing for a unit here shows a high third-party flood risk score. Confirm the FEMA flood zone and elevation details for the building, ask for the master policy declarations and deductibles, and get your own HO-6 and flood quotes early. Our flood zones and insurance guide explains the basics.

Buying or selling at Reflections on the Gulf

Sales here vary by tower, floor, plan size, and renovation level. Ask us for recent sales and current listings at Reflections on the Gulf. You can contact us here or call (727) 955-1222.

If you own here, see our Indian Rocks Beach home value page or request a home valuation.

Team Beachside is not affiliated with Reflections on the Gulf or its association. Facts on this page come from listing records and third-party building pages available as of October 2026, and that data can be incomplete or inconsistent. Rules, fees, assessments, and building conditions change. Verify all information with the association and its governing documents, the City of Indian Rocks Beach, and your own inspector, insurer, lender, and attorney before you rely on it. John and Nicole Kavaliauskas are licensed Florida Realtors with LoKation Real Estate.